# Citizens State Bank of New Castle, Indiana

> **Canonical URL:** https://saferate.com/lenders/citizens-state-bank-of-new-castle-india


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Citizens State Bank of New Castle, Indiana is a bank, headquartered in New Castle, IN, serving borrowers across 4 states, with 51 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QX5KH5JXXMYU41
- **Headquarters:** New Castle, IN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, IN, OH, TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.510%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $610
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 51
- **Dollar Volume:** $9 million
- **Applications Received:** 88
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $167,549
- **Average Borrower Income:** $150,255
- **Average Property Value:** $297,157

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 51 | +0.510% | $610 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 30 loans, Score: 20/100 (Acceptable)
- Refinance: 21 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 21/100 | 30 | $6M | +0.361% | Acceptable 🙂 |
| Refinance | 29/100 | 21 | $2M | +0.714% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 46 | 0.05% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 39 | 50/100 |

## Frequently Asked Questions

### What loan types does Citizens State Bank of New Castle, Indiana offer?

Citizens State Bank of New Castle, Indiana offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citizens State Bank of New Castle, Indiana offer mortgages?

Citizens State Bank of New Castle, Indiana offers mortgages in 4 states: FL, IN, OH, TN.

### How competitive are Citizens State Bank of New Castle, Indiana's mortgage rates?

Citizens State Bank of New Castle, Indiana has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.510% above market average.

### What type of lender is Citizens State Bank of New Castle, Indiana?

Citizens State Bank of New Castle, Indiana is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in New Castle, IN.

### What is Citizens State Bank of New Castle, Indiana's loan approval success rate?

Citizens State Bank of New Castle, Indiana has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citizens-state-bank-of-new-castle-india

### How to Cite

> "Citizens State Bank of New Castle, Indiana Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-state-bank-of-new-castle-india

---

**[View Interactive Profile →](https://saferate.com/lenders/citizens-state-bank-of-new-castle-india)**